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on MENA - Middle East and North Africa |
| By: | Nihal Chouiekh (UH2C - Université Hassan II de Casablanca = University of Hassan II Casablanca = جامعة الحسن الثاني (ar)); Mohammed Belbachir (UM5 - Université Mohammed V de Rabat [Agdal]) |
| Abstract: | Our paper aims to highlight the impact of trust, perceived usefulness and ease of use on the use of blockchain in the medical monitoring process of patients in clinics in Morocco. In this regard, in order to further explore this topic, we opted for hypothetical-deductive reasoning and administered a questionnaire to 160 healthcare managers. The collected data were analyzed using SPSS and Smart-PLS. The correlation results confirmed the impact of perceived usefulness on the intention to use blockchain; however, ease of use and trust were not determining factors in managers propensity to use blockchain in the Moroccan healthcare sector. Furthermore, after presenting a summary of the method used, the identification of limitations presents a considerable advantage for researchers to leverage in order to further their future academic work. |
| Abstract: | Notre papier vise à mettre en valeur l'impact de la confiance, de l'utilité perçue et la facilité d'utilisation sur l'utilisation de la blockchain dans le processus de suivi médical des malades dans les cliniques au Maroc. À cet égard, afin de bien approfondir l'étude sur ce thème, nous avons opté pour un raisonnement hypothético déductif, et en administrant un questionnaire auprès de 160 responsables dans le domaine de la santé. Les données recueillies ont été analysées par le biais de SPSS et Smart-PLS. Les résultats des corrélations ont approuvé l'impact de l'utilité perçue sur l'intention de recourir à la blockchain, cependant la facilité d'utilisation et la confiance ne constituent pas des facteurs déterminants dans la propension des managers vers l'utilisation de la blockchain dans le secteur sanitaire au Maroc. En outre, après une présentation d'une récapitulation de la méthode suivie, la détermination des limites présente un atout considérable à saisir par les chercheurs afin d'approfondir les futurs travaux académiques. |
| Keywords: | safety, Structural equation, Healthcare, Morocco, Blockchain, Equation structurelle, Maroc, Sécurité, secteur sanitaire, Secteur sanitaire |
| Date: | 2025–04–13 |
| URL: | https://d.repec.org/n?u=RePEc:hal:journl:hal-05032476 |
| By: | Haschen, Felix; Roll, Stephan |
| Abstract: | Whether and when the Gaza Strip will be rebuilt is uncertain in view of the renewed fighting between Israel and Hamas. Should this happen, the reconstruction plan presented by Egypt is likely to provide the blueprint. A network of economic and security actors centred around Ibrahim al-Argani - an entrepreneur with close ties to President Abdel Fattah al-Sisi, who has previously profited from the precarious situation in Gaza - stands to benefit in particular. Germany and its European partners who support the Egyptian plan should therefore insist on maximum transparency and accountability. Otherwise, there is a risk not only of disregarding Palestinian interests and incurring excessive costs, but also of further entrenching Egypt's authoritarian system of governance. |
| Keywords: | Gaza Strip, Israel, Hamas, Egypt, Ibrahim al-Argani, Abdel Fattah al-Sisi, Essam al-Argani, Ihab Abu Zaid, Arabische Liga, Gaza, Reconstruction plan, Gaza Marine, Sinai, New Cairo, The Ark, Tarabin, Organi Group, EGY MIX, Abnaa Sinai, Misr Sinai, Itous Security, Eagles Security, Neom Real Estate Development, Hala, Hamas, Rafah, Red Crescent, Marzuq al-Qasir, Assem al-Gazzar, Mohamed Shimy, Energy Cadence, National Front Party, Union of Arab Tribes, UAT, Mada Masr, Safy Wahba, Loay Zamzam, Diaa Rashwan, QIA, China State Construction Engineering Corporation, CSCEC, Consolidated Contractors Company, CCC, Mahmud Abbas, Palestine Investment Fund, Egyptian Natural Gas Holding Company, EGAS |
| Date: | 2025 |
| URL: | https://d.repec.org/n?u=RePEc:zbw:swpcom:316690 |
| By: | Kaoutar Benkachchach (Faculté des Sciences Juridiques, Economiques et Sociales - UM5 - Université Mohammed V de Rabat [Agdal]); Khadija El Issaoui (Faculté des Sciences Juridiques, Economiques et Sociales - UM5 - Université Mohammed V de Rabat [Agdal]) |
| Abstract: | This paper investigates the trajectory of agricultural revenues in Morocco between 1995 and 2021, with the aim of elucidating the intricate relationships among vulnerability and resilience to climate change and agricultural economic performance. Agricultural revenues are analysed in relation to two main sets of independent variables: vulnerability and resilience. The assessment of resilience is grounded in a range of indicators, encompassing economic, social, and governance aspects. Conversely, vulnerability is examined through key dimensions such as the sensitivity of health, food security, ecosystems, human habitation, water resources, and infrastructure. The methodological approach employs an ARDL (Autoregressive Distributed Lag) and vector error correction model (VECM) to capture the long-term interactions and dynamics among these variables. The results reveal that the effects of vulnerability are significantly more pronounced than those of resilience. The agricultural sector is more susceptible to vulnerability, with a relatively lower capacity for resilience. The insights derived from this research are expected to contribute to a deeper understanding of the factors affecting agricultural revenues in Morocco. Furthermore, the findings hold potential for informing policy recommendations aimed at enhancing the resilience of the agricultural sector within the unique context of the country. |
| Keywords: | Climate change, Vulnerability, Resilience, Agricultural revenues, Morocco, Changement climatique, Vulnérabilité, Résilience, Revenus agricoles, Maroc |
| Date: | 2025–04 |
| URL: | https://d.repec.org/n?u=RePEc:hal:journl:hal-05036861 |
| By: | Zakariae Bel Mkaddem (el jadida - National School of Commerce and Management, Chouaib Doukkali University); Aziz Bensbahou; Hind Tahtah |
| Date: | 2024 |
| URL: | https://d.repec.org/n?u=RePEc:hal:journl:hal-05009358 |
| By: | Rachid Maghniwi (UM5 - Université mohamed 5, Rabat); Mustapha Oukassi (UM5 - Université mohamed 5, Rabat) |
| Abstract: | This research examines the phenomenon of early freezing of digital bank accounts in Morocco, characterized by significant inactivity in the first three months following account opening. Faced with the challenges of profitability and customer satisfaction that this phenomenon raises, the study proposes a predictive model integrating data from open banking to identify and prevent early inactivity. Through a mixed methodology combining retrospective analysis of transactional data and longitudinal monitoring of a cohort of 150 new customers of a Moroccan digital bank, the research characterizes at-risk profiles and evaluates the marginal contribution of multi-banking data in improving predictive capabilities. Three modeling approaches are compared: a reference model using only the bank's internal data, a model enriched by open banking, and an advanced hybrid model integrating deep learning techniques. The results reveal that the integration of open banking data improves predictive accuracy by 16.4%, offering Moroccan digital financial institutions operational tools to strengthen customer engagement from the early stages of the banking relationship. |
| Abstract: | Cette recherche examine le phénomène de gel précoce des comptes bancaires numériques au Maroc, caractérisé par une inactivité significative dans les trois premiers mois suivant l'entrée en relation. Face aux enjeux de rentabilité et de satisfaction client que ce phénomène soulève, l'étude propose un modèle prédictif intégrant les données issues de l'open banking pour identifier et prévenir l'inactivité précoce. À travers une méthodologie mixte combinant analyse rétrospective de données transactionnelles et suivi longitudinal d'une cohorte de 150 nouveaux clients d'une banque digitale marocaine, la recherche caractérise les profils à risque et évalue la contribution marginale des données multi-bancaires dans l'amélioration des capacités prédictives. Trois approches de modélisation sont comparées : un modèle de référence utilisant uniquement les données internes de la banque, un modèle enrichi par l'open banking, et un modèle hybride avancé intégrant des techniques de deep learning. Les résultats révèlent que l'intégration des données d'open banking améliore la précision prédictive de 16, 4%, offrant aux institutions financières digitales marocaines des outils opérationnels pour renforcer l'engagement client dès les premières étapes de la relation bancaire. |
| Keywords: | Open banking, digital banking, account freezing, predictive modeling, machine learning, Morocco, customer inactivity, banque digitale, gel de compte, modélisation prédictive, Maroc, inactivité client |
| Date: | 2025–04–30 |
| URL: | https://d.repec.org/n?u=RePEc:hal:journl:hal-05040790 |
| By: | Youssef Es-Sadat (ENCG - National School of Business and Management, Hassan 1ST University, Laboratory of Research in Finance, Audit and Governance of Organizations (LARFAGO) - National School of Business and Management – ENCG Settat, Hassan The First University, Settat, Morocco.); Mohammed Belbachir ((LARCEPEM) - Laboratoire de Recherche en Compétitivité Economique et Performance Managériale (LARCEPEM)Centre Interdisciplinaire de Recherche en performance et Compétitivité Faculté des Sciences Juridiques Economiques et Sociales – Souissi Université Mohammed V- Rabat. Maroc) |
| Abstract: | This study examines the impact of supply chain resilience on innovative entrepreneurship in Morocco, considering digital transformation and logistics risk management in an increasingly uncertain environment. Using a hypothetico-deductive approach, we conducted a quantitative study on 134 companies in the Tanger-Tetouan region. We employed Structural Equation Modeling (PLS-SEM) using SPSS and SMART PLS software to analyze direct and mediating relationships among four key variables: digital transformation (advanced technologies, process digitization, data management), logistics risk management (identification, assessment, response), supply chain resilience (flexibility, redundancy, recovery speed, sustainability), and innovative entrepreneurship. The findings reveal that logistics risk management plays a crucial mediating role between digital transformation and resilience, emphasizing the importance of strategic adoption of digital technologies and proactive risk management practices to enhance supply chain robustness and competitiveness. Consequently, this contributes to a significant increase in innovative entrepreneurship in Morocco. |
| Abstract: | Cet article explore l'effet de la résilience de la chaîne d'approvisionnement sur l'entrepreneuriat innovant au Maroc, en prenant en compte la transformation numérique et la gestion des risques logistiques dans un contexte d'incertitude croissante. Une méthodologie hypothético-déductive combinée à une analyse quantitative sur un échantillon de 134 entreprises de la zone Tanger-Tétouane a été adoptée. La méthode des équations structurelles (PLS-MES), réalisée à l'aide des logiciels SPSS et SMART PLS, a été utilisée pour analyser les relations directes et médiatrices entre quatre variables principales, à savoir la transformation numérique (technologies avancées, digitalisation des processus, gestion des données), le risque logistique, gestion (identification, évaluation, réponse), résilience de la chaîne d'approvisionnement (flexibilité, redondance, rapidité de reprise, durabilité) et entrepreneuriat innovant. Les résultats confirment que la gestion des risques agit comme un médiateur clé entre la transformation numérique et la résilience, soulignant l'importance de l'adoption stratégique des technologies numériques et des pratiques proactives de gestion des risques pour améliorer la compétitivité et la robustesse des chaînes d'approvisionnement. Cela conduit à une croissance marquée de l'entrepreneuriat innovant au Maroc. |
| Keywords: | Digital transformation, Risk management, Supply chain resilience, Supply chain, Innovative entrepreneurship, Morocco, Transformation numérique, Gestion des risques, Résilience de la supply chain, Entrepreneuriat innovant, Maroc |
| Date: | 2025 |
| URL: | https://d.repec.org/n?u=RePEc:hal:journl:hal-05021257 |
| By: | Ilyes Boumahdi; Nouzha Zaoujal |
| Abstract: | The purpose of this article is to explore the opportunity of recent and detailed unconventional data from the tourism sector collected from {\guillemotleft} Booking.com {\guillemotright} to make a finer and more up-to-date analysis than that established by conventional data, particularly, at the territorial level of North Africa. We extracted and geolocalised about 40 variables of different types covering 1852 accommodations on Booking.com to analyze the characteristics of territorial tourist offer of the six North African countries (10 of 12 Moroccan regions, 3 of 13 Mauritanian Wilayas, 26 of 48 Algerian Wilayas, 13 of 24 Tunisian Governorates, 1 region of Libya, 15 of 27 Egyptian Mohafazats). Then, we used a random sample of 10% of the most recent appreciations of nearly 606000 tourists of the three most dynamic destinations (Marrakech-Safi, Tunis, Cairo) by analyzing the feelings of their comments with a differentiation according origin of tourists. We concluded that the accommodation offer of the territories of North Africa is very diversified and unclassified offers are slightly better appreciated compared to those classified. The coastal regions have higher prices compared to the interior of the countries and quality-price appreciation of North African regions is below their overall ratings. |
| Date: | 2025–04 |
| URL: | https://d.repec.org/n?u=RePEc:arx:papers:2504.19539 |
| By: | Asseburg, Muriel; Lintl, Peter |
| Abstract: | Israel's government is rapidly dismantling the separation of powers and expanding its control over the state apparatus. The military response to the attack by Hamas and other armed groups on 7 October 2023 appears to be leading to a permanent reoccupation of the Gaza Strip. The "voluntary" emigration of the Palestinian population is seen as an option for resolving the conflict. At the same time, the Netanyahu government is pushing ahead with the settlement project in the West Bank with renewed vigor. Whether in domestic policy, towards the Palestinians or towards neighboring states, it sees itself encouraged by the Trump administration. Israel is thus moving further away from a liberal democracy. A resolution of the Palestinian question is thwarted and the region destabilized. Germany must not ignore these developments. |
| Keywords: | Israel, Government, Benjamin Netanyahu, separation of powers, judiciary, reoccupation, Gaza Strip, West Bank, Trump administration, Palestinian question, Palestinian Authority (PA), United Nations Relief and Works Agency for Palestine Refugees (UNRWA), terrorism, International Criminal Court |
| Date: | 2024 |
| URL: | https://d.repec.org/n?u=RePEc:zbw:swpcom:316694 |
| By: | Adil Boutfssi (Hassan II University - Morocco - University of Hassan II); Tarik Quamar (Hassan II University - University of Hassan II) |
| Abstract: | Moroccan SMEs, which are closely linked to banking institutions to obtain the financing needed for their projects, often find themselves in a situation where these sources of financing are not easily accessible. Indeed, access to credit is often difficult for these categories of companies that are frequently confronted with the phenomenon of total and partial credit rationing. Among the causes of this problem, we can cite the somewhat opaque nature of their information system and their inability to comply with bank financing conditions compared to large companies. This article aims to shed light on the relationship between restrictive bank clauses, including the availability of guarantees, the characteristics of the credit requested and the credit rationing of SMEs in the CASABLANCA-SETTAT region. We conducted a questionnaire survey of 218 SMEs in the same region. Contingency and simple regression tests show that the lack of guarantees is a direct cause of total and partial credit rationing, particularly for small businesses that need significant financing. |
| Abstract: | Les PME marocaines, étroitement liées aux institutions bancaires pour obtenir le financement nécessaire à leurs projets, se trouvent souvent dans une situation où ces sources de financement sont difficilement accessibles. En effet, l'accès au crédit est souvent difficile pour ces catégories d'entreprises qui sont fréquemment confrontées au phénomène de rationnement total et partiel du crédit. Parmi les causes de ce problème, on peut citer le caractère quelque peu opaque de leur système d'information et leur incapacité à se conformer aux conditions de financement bancaire par rapport aux grandes entreprises. Cet article vise à éclairer la relation entre les clauses bancaires restrictives, notamment la disponibilité des garanties, les caractéristiques du crédit demandé et le rationnement du crédit des PME de la région de Casablanca-Settat. Nous avons mené une enquête par questionnaire auprès de 218 PME de la même région. Des tests de contingence et de régression simple montrent que l'absence de garanties est une cause directe de rationnement total et partiel du crédit, en particulier pour les petites entreprises qui ont besoin de financements importants. |
| Keywords: | Moroccan SMEs Information asymmetry Credit rationing Bank financing Bank restrictive clauses Guarantee, Moroccan SMEs, Information asymmetry, Credit rationing, Bank financing, Bank restrictive clauses, Guarantee |
| Date: | 2024–12–07 |
| URL: | https://d.repec.org/n?u=RePEc:hal:journl:hal-05040737 |
| By: | Akbulut-Yuksel, Mevlude (Dalhousie University); Aydemir, Abdurrahman B. (Sabanci University); Kirdar, Murat Güray (Koc University); Turan, Belgi (TOBB University of Economy and Technology) |
| Abstract: | This paper examines the horizontal transmission of gender norms using the forced migration of ethnic Turks from Bulgaria to Türkiye after the fall of the Iron Curtain as a natural experiment. Despite shared linguistic and religious ties, migrant women held more progressive gender norms and stronger labor market attachment than native Turkish women. Their arrival increased labor market participation among native women, particularly in male-dominated manufacturing, while men’s outcomes remained unchanged. Additionally, native women’s fertility declined, and middle school attainment rose, aligning with refugee women’s patterns. Exposure to progressive norms reshaped native women's roles in work and family life. |
| Keywords: | culture, horizontal transmission, social learning, migration |
| JEL: | J16 J15 J13 N45 |
| Date: | 2025–04 |
| URL: | https://d.repec.org/n?u=RePEc:iza:izadps:dp17871 |
| By: | Kaya, Ayhan |
| Abstract: | Turkish migration to Western Europe, particularly Germany, has been driven by economic aspirations and socio-political conflicts. Since 2013, a new wave of highly skilled young Turks has migrated to Western states due to political instability. At the same time, a concerning trend emerging in Türkiye's marginalised urban areas is the co-radicalisation of Turkish citizens and refugees fuelled by political and socio-economic tensions. This process, exacerbated by political actors exploiting cultural and civilizational divisions, could lead to a new wave of conflict-induced migration to Europe. To prevent this, proactive policies fostering dialogue and inclusive social programmes are needed, with adjusted support schemes to address root causes before they escalate. |
| Keywords: | EU-Türkiye Refugee Statement, Gezi protests, displaced people, refugees, migrant communities, displacement, Ansar, Bashar al-Assad, Ali Yerlikaya, Süleyman Soylu, Zafer Partisi, Ümit Özdaæg, Great Replacement |
| Date: | 2025 |
| URL: | https://d.repec.org/n?u=RePEc:zbw:swpcom:316689 |
| By: | Zakaria Savon (Ph.D., Faculty of Legal, Economic and Social Sciences - Souissi, Mohammed V University, Rabat) |
| Abstract: | Islamic banking plays a critical role in mobilizing funds for the economy. The financing mechanisms used by Islamic banks are largely influenced by macroeconomic conditions due to their asset-backed nature. A substantial portion of the assets held by these banks originates from debt financing methods, including Murabahah and Ijarah. However, Islamic financial institutions are exposed to various risks, particularly financing or credit risks. This type of risk pertains to the potential financial losses that banks may encounter when a borrower fails to meet their obligations. The non-performing financing (NPF) rate serves as a key indicator for assessing this risk. Our study investigates the impact of key macroeconomic variables and monetary policy on the nonperforming financing rate of Islamic banks in Jordan. The analysis employs an autoregressive distributed lag (ARDL) model, utilizing data from the fourth quarter of 2013 through the first quarter of 2022. The results indicate that both monetary policy and economic growth significantly influence the non-performing financing rates of Islamic banks in Jordan. |
| Keywords: | Islamic banks, Credit-risk, Macroeconomics, Monetary policy, ARDL, JORDAN |
| Date: | 2025–02 |
| URL: | https://d.repec.org/n?u=RePEc:hal:journl:hal-05011821 |
| By: | Ahcene Ouali (UMMTO - Université Mouloud Mammeri [Tizi Ouzou] = Mouloud Mammeri University of Tizi-Ouzou); Martine Audibert (CERDI - Centre d'Études et de Recherches sur le Développement International - UCA [2017-2020] - Université Clermont Auvergne [2017-2020] - CNRS - Centre National de la Recherche Scientifique, CERDI - Centre d'Études et de Recherches sur le Développement International - IRD - Institut de Recherche pour le Développement - CNRS - Centre National de la Recherche Scientifique - UCA - Université Clermont Auvergne); Ahcène Zehnati (LED - Laboratoire d'Economie Dionysien - UP8 - Université Paris 8 Vincennes-Saint-Denis, Centre de Recherche en Economie Appliquée pour le Développement - Partenaires INRAE) |
| Abstract: | Objective: This study aims to evaluate technical efficiency and the evolution of productivity in 120 public hospital establishments (PHE) in Algeria over the period 2011-2020, as well as the factors which influence this efficiency. Methods: To measure efficiency scores, we used the output-oriented DEA (Data Envelopment Analysis) method, considering the variable return to scale hypothesis. At the same time, we used the Malmquist index to measure changes in efficiency and productivity over the years and the Simar Wilson models to assess the determinants of efficiency. Results: The average efficiency scores for the study period are 0.788 and 0.710 in the classic DEA and Bootstrap DEA models, respectively. Regarding the Malmquist index, we observed a 3% decline in total factor productivity during the study period, but an improvement in technical efficiency of 0.3% was noted. As for the determinants of efficiency, six variables werefound to besignificant: bedoccupancy rate, average length of stay, number of beds per doctor, number of beds per thousand inhabitants, number of doctors per thousand inhabitants, and budget. Conclusion: The results indicate an overall improvement in the technical performance of public hospitals during the study period. However, a decline in total factor productivity was observed, mainly due to technological change. |
| Abstract: | Objectif : Cette étude a pour objectif d'évaluer l'efficience technique et l'évolution de la productivité dans 120 établissements publics hospitaliers (EPH) en Algérie sur la période 2011-2020, ainsi que les facteurs qui influencent cette efficience. Méthodes : Pour mesurer les scores d'efficience, nous avons recouru à la méthode DEA ( Data Envelopment Analysis ) orientée vers les résultats, en tenant compte de l'hypothèse de rendement d'échelle variable. Parallèlement, nous avons utilisé l'indice de Malmquist pour évaluer les changements d'efficience et de productivité au fil des années, ainsi que la régression tronquée de Simar et Wilson pour évaluer les déterminants de l'efficience. Résultats : Les scores moyens d'efficience pour la période d'étude sont respectivement de 0, 788 et 0, 710 dans les modèles DEA classique et DEA Bootstrap. En ce qui concerne l'indice de Malmquist, nous avons observé une baisse de 3 % de la productivité totale des facteurs au cours de la période d'étude, mais une amélioration de l'efficience technique de 0, 3 % a été relevée. Quant aux déterminants de l'efficience, six variables (le taux d'occupation des lits, la durée moyenne de séjour, nombre de lits par médecin, nombre de lits pour mille habitants, le nombre de médecins pour mille habitants et le budget) étaient significatives. Conclusion : Les résultats obtenus ont mis en évidence une amélioration globale de la performance technique des établissements publics hospitaliers au cours de la période d'étude. Cependant, une baisse de la productivité totale des facteurs a été observée sur la même période, principalement due au changement technologique. |
| Keywords: | Data Envelopment Analysis (DEA), Efficience, Double Bootstrap, Indice de Malmquist, efficiency, amp, hospitals, Productivity, Malmquist index |
| Date: | 2025–02–15 |
| URL: | https://d.repec.org/n?u=RePEc:hal:journl:hal-05021744 |
| By: | Canan Yüksel Yücel (Central Bank of the Republic of Türkiye, İstanbul, Turkey); Erol Taymaz (Department of Economics, Middle East Technical University, Ankara, Turkey) |
| Abstract: | This study examines the impact of domestic outsourcing on the wages of workers performing outsourced tasks in Türkiye, using an administrative employee-employer linked dataset. Outsourcing events are identified by tracking worker flows across firms with specific properties. Unlike existing studies, our dataset incorporates buyer-supplier transactions, enabling us to confirm that a relationship between the predecessor and successor firm begins following the outsourcing event. This improves our ability to identify outsourcing events, which we use to explore wage effects of both high-skilled and low-skilled outsourcing. Our findings indicate that low-skilled workers experience wage losses from domestic outsourcing, while high-skilled, professional workers benefit, suggesting that domestic outsourcing may be one of the factors contributing to rising wage inequality. |
| Keywords: | Sanctions, Tourism, Foreign policy, Firm behavior |
| JEL: | F51 L25 L83 |
| Date: | 2025–05 |
| URL: | https://d.repec.org/n?u=RePEc:met:wpaper:2502 |